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What Is a Finance Charge, and How Do I Avoid Paying One?

If you're savvy, you can avoid credit card finance charges entirely.

U.S. News & World Report

What Is a Finance Charge?

Internet mobile banking and internet of things concept

If you pay off your statement balance completely during a grace period, you could dodge interest charges altogether. (Getty Images)

Borrowing money typically costs money, and credit cards are no exception. One of the advantages of having a credit card is that you don't have to pay off your balance each month. But that perk comes at a price, called a finance charge.

《少年收容所》(Short Term 12)是独立制片的小型影片之一,然而却会大大地影响观众。这部低成本电影片长仅96分钟,背景是一个针对问题青少年的收容设施。然而德斯汀?克里顿(Destin Cretton)的导演和布里?拉尔森(Brie Larson)的表演让这部电影跻身年度最佳影片之列。拉尔森几乎可以肯定无缘奥斯卡奖(今年的竞争异常激烈),但她对所扮演的女主角格蕾丝(Grace)的刻画极具水准,格蕾丝是一名20多岁的年轻保育员,她自己的生活远非平静无波。
de去掉,but。去掉but?导演Z(平静):你可以上台了。女演员F:but我还没准备好呢?Z(有点儿烦):哪那么多事儿呀,快点儿!F:but我这可是第一次!Z(强忍):谁没有第一次呀,快!F:but…,Z(已经怒了):哪XX那么多but呀,全都给我de掉,再不上去我就X人了!!!

Here's what you need to know about credit card finance charges, how they're calculated and what you can do to avoid them.

How Credit Card Finance Charges Work

新兴市场出口额(以美元计算)下滑完全是一种价格效应,受到大宗商品价格下降的拖累。从数量上看,新兴市场出口自2014年以来一直持续上升,即便同比年增长率已放缓至2%左右——远远低于全球金融危机前后的两位数增长率,如第二张图表所示。

Carrying a balance. If you don't pay your balance in full by the due date each month and there is no promotional 0% APR period, you will incur a finance charge based on your card's APR and the remaining balance.

Generally, credit cards require relatively low minimum payments compared with balances. While some credit card issuers include interest charges in the minimum payment, others just charge a flat percentage. "If this minimum is less than the accrued interest," says James Philpot, certified financial planner and associate professor in the department of finance and general business at Missouri State University, "you will effectively be borrowing more money from your card issuer in order to pay interest."

Transferring a balance. If you transfer a balance from one card to another, you may incur a finance charge in the form of a balance transfer fee. You may also pay interest on the balance unless the card has an introductory 0% APR balance transfer promotion. Check the card's terms before you submit your request.

Requesting a cash advance. If you use your credit card to get cash from an ATM, interest will start accruing immediately from the date of the transaction, with no grace period. The APR for credit card cash advances is often higher than the APR for purchases.

Making a foreign transaction. A foreign transaction on your credit card, whether in a foreign country or currency, can incur a foreign transaction fee. This fee is typically about 3 percent of the transaction.

How Credit Card Companies Calculate Finance Charges

专注于新兴市场的基金集团经历了难熬的一年,安本(Aberdeen)和安石(Ashmore)的资产管理规模都严重缩水。新兴市场交易所交易基金(ETF)也遭遇大规模赎回,ETF.com数据显示,投资者从贝莱德(BlackRock)旗下基金iShares MSCI Emerging Markets以及先锋(Vanguard)富时新兴市场(FTSE Emerging Markets)撤出95亿美元。

Below are a number of statements that people often use to describe themselves.
char茶,ity状态-请喝茶的状态-施舍-仁慈
n. 财产,所有物,性质,地产,道具
仅过去6个月,这家诞生于澳大利亚的公司不断从亚马逊(Amazon)、贝宝(PayPal)、谷歌(Google)和Twitter挖角,其高管团队的实力由此大大增强。同时,它还与行业领导者Magento公司签署了一项备受关注的协议,后者承诺将为该公司引入数以千计的新客户。它最近撤销了旧金山新办公室的租约,由于人员扩张非常快,如今公司需要的办公空间已是当初预期的3倍。
事实是,韩力不是第一个发明电子烟的人。早在1963年,赫尔伯特·吉尔伯特就制造出了世界上第一个可以用来吸入香烟味儿空气的装置。他最初的发明装置,不用燃烧,也不含尼古丁。他后来设计出了一个用电池去加热的模型,他也用了不同味道的水去制造蒸气。他把他的电子烟模型展示给不同的化工、制药以及烟草公司,但是他们都没有理会他的模型。
n. 路费,食物

1870年3月19号,轮滑登上杂志《科学美国人》。它的制作人是伊利诺伊州奥尔尼的托马斯·呂德斯,被称作"佩德速度",后来,轮滑的轮变得小了很多,直径约为36厘米(15英寸)。吕德斯身材高大魁梧,他说自己用轮滑一直滑2个小时也不觉得累,同时他也说每一个人都可以滑轮滑,不论他们是什么体型。另一种轮滑出现在1923年,它的轮子在脚的内侧,而非外侧。(除了轮子的尺寸不一样以外,两种轮滑最主要的差别在于:由战车溜冰公司制作的轮滑,小轮在大轮的后面,增强整个轮滑的稳定性。)
n. 毂,木片,中心
结果发现,被要求画出单词的参与者能够更准确地记起这些单词。而且画本身的质量并不会对记忆效果有什么影响,帮助记忆的仅仅是“画画”这个动作。对于香蕉,画一个大概的轮廓和详细的画出每个细节,产生的作用是一样的。参与者们即使只是花上几秒来画画,也能在记忆结果上有显著提高。研究人员还计划进一步地引进更复杂的单词甚至观点表述来观察参与者记忆表述的准确度。
3.2 深化重要领域和关键环节改革

Ranked 10th position, Industrial and Commercial Bank of China is the highest ranking Chinese company on the list.
Stand: Starbucks CEO Howard Schultz urged the end of government shutdown
The Irish. They sing, dance, drink and sing some more. The lads were singing lullabies to a little baby in Bordeaux to try and get it to go to sleep.
With a bit of help from Charles Dickens, let’s take a look back at the year in which almost nothing worked:

Note, however, that some credit card issuers compound interest on a daily basis, so your calculation may be even more complicated than this one.

How to Avoid Paying Credit Card Finance Charges

去年,CPI指数上涨在一月时达到峰值2.5%,随后在剩下的时间里在2%以下波动。
Despite the overall upward trends in financing, the amount of capital raised by women-owned businesses has historically lagged when compared to men. For example, in the first half of 2013, women made up only 16 percent of businesses seeking funding, with only 24 percent of the women receiving angel funding, Plum Alley, an online e-commerce platform for female entrepreneurs, recently launched a crowdfunding platform specifically focused on helping women innovators get to the next level. And as the first platform of its kind in the exploding crowdfunding space (expected to hit $3.98 billion next year), we can certainly expect Plum Alley to play a big role in the entrepreneurial landscape for women in the year to come.

Take advantage of your grace period. Most credit cards offer a grace period on purchases. If your credit card has one, it typically runs from the end of your billing cycle to your payment due date. By law, you must receive your credit card bill at least 21 days before it is due.

This story pulls directly from the real Bling Ring gang , whose burglaries racked up $3 million over the span of ten months in 2008. All of the celebrities listed in the movie were real victims of this group, who claim to have been motivated by the "cultural obsession" surrounding celebrities' personal lives. Whatever their motives, the Bling Ring is a good reminder to take a step back from the media every once in a while.
The 8,000 volunteers who will welcome international visitors to London 2012 have been issued with a 66-page instruction manual, covering everything from foreign etiquette to uniform care and advice on dealing with journalists. But what of the visitors themselves? Could they not do with a manual outlining the customs, manners and practicalities of the islands they are visiting? We hereby present a simple guide to UK etiquette for the 2012 Olympics.
毕业于该项目的学员获得的金钱回报遥遥领先,毕业3年后的平均年薪为46.9万美元。
2013年到中国旅游的外国游客还是选择避开了北京。

It was the fastest growth rate among the top 10 countries on the EPO's patent-filing league table.
其中一本被标上"M3"的坟墓里包含有神兽的雕刻,其中有四只代表一年四季以及天堂的各个部分:西边的白虎,南边的朱红鸟,北边的黑龟,东边的青龙。
Autonomous cars: Researchers are working on devices that will automatically park your car in a parking lot without you being in, or near, the car. It will also slip a note under the wipers of the car next to it with your phone number and insurance carrier in case of any scratches.

According to a report by Beijing Statistics Bureau, retail sales of consumer goods in the Chinese capital surpassed 1 trillion yuan ($152 billion) in 2015, up 7.3 percent year on year.
BrandZ表示,中国科技集团华为(Huawei)已从苹果(Apple)和三星(Samsung)手中夺取市场份额。

7.Drones
We will ensure that foreign trade continues to pick up and register steady growth.
About now, new CEO Gorman is probably learning that the meager profits of a retail brokerage can't pay for all those monster Wall Street bonuses. Expect Gorman to decide that Morgan Stanley should be a lot more like trader Goldman Sachs, after all.

arrogant
确实,现在的保罗更大更强壮了,但是,现在的他脸蛋和高中的自己一样。在高中的时候,保罗甚至就有了自己标记性的胡须。
今年2月的时候,在格莱美颁奖典礼上,克里斯汀?韦格和玛蒂?齐格勒为希雅的歌曲《Chandelier》伴舞,希雅背对着观众(图)
We are a group of twelve and thirteen-year-olds from Canada trying to make a difference:Vanessa Suttie, Morgan Geisler, Michelle Quigg and me. We raised all the money ourselves to come six thousand miles to tell you adults you must change your ways. Coming here today, I have no hidden agenda. I am fighting for my future. 我们是一个十三四岁的小群体,我们想改变些什么:Vanessa Suttie, Morgan Geisler, Michelle Quigg和我。我们自己挣钱支持我们来到这里,旅行5000英里只为告诉你们成年人,你们必须改变你们的生活方式。今天我来到这里,我背后没有任何经纪人,我们为我们的未来而战。

Use a 0% APR promotion. Some credit cards offer an introductory 0% APR promotion to new cardholders, waiving interest charges on purchases, balance transfers or both transactions for a set period.

inspiring
Hitting the Top 100 for the first time, French fashion brand Dior and Silicon Valley automaker Tesla Motors Inc. were at Nos. 89 and 100 respectively.
事实上,去往俄罗斯有许多可供选择的廉价航班。其国内的西伯利亚大铁路也使得交通十分便利。

影片评价极高,演技也大获好评,尤其是故事的主人公——那些孩子们,以及汽车旅馆经理的扮演者威廉?达福。
11月,由财新网(Caixin)赞助的中国制造业采购经理人指数(PMI)初值为48.6,高于预期的48.3。而10月份该读数则为48.3。读数显示上个月中国制造业活动在继续放缓,不过情况没有10月份那么糟糕。
在谷歌和苹果之后的品牌包括亚马逊以及微软公司等。
IT富豪榜排名前十的富豪的平均年龄为45岁,现年52岁的马云是其中年纪最大的一位。
“…was snervous she almost fainted.”

推进农业结构调整。
2010年的头号热门搜索问题是“如何打领带”,其次是“如何减肥”、“如何接吻”以及“如何写简历”。
又或者,今年是一群有跟虐待、性或其他有关的故事要讲的女性。她们其中几个人在我们的页面上分享了“我也是”(#MeToo)的经历。卡洛塔·加尔(Carlotta Gall)讲述了汉达·阿亚里(Henda Ayari)的故事。后者是一名拥有北非血统的法国公民,也是一名反萨拉菲派活动人士。她指控牛津大学某知名教授强奸了她。
它还体现在萝塞拉·亚尔迪尼(Rossella Jardini)为莫斯奇诺(Moschino)设计的2009年春夏系列的蝴蝶结和宽松裙子上以及以玛丽·匡特(Mary Quant)为灵感的2013年春季系列中。

该数据突显出,某些工业部门对他们认为来自中国对手的不公平竞争感到日益担忧。
这类开发项目之一,是邓波区(Dumbo)的沃特街(Water Street)60号,一个包含290个单元的出租楼盘,带有24小时门房服务和一个可坐拥曼哈顿景观的屋顶平台。房屋租赁将于下个月开始,两居室的每月房租起价达到了令人瞠目结舌的6018美元(约合人民币3.7万元)。“人们想要体验住在共管公寓的生活,即使他们是租房而不是买房。”花旗居屋负责新开发项目的董事总经理乔迪·安·斯塔斯(Jodi Ann Stasse)说。

Forgo certain activities. Because many cards charge fees for balance transfers, cash advances and foreign purchases, consider refraining from these activities, or try to find a card that waives these fees.

Some balance transfer credit cards, for instance, will waive the balance transfer fee for new cardholders for a short period. Also, many travel credit cards don't charge a foreign transaction fee.

Always Read the Fine Print

品牌价值降幅最大的包括油气公司(仍因大宗商品价格处于低位而受到影响)和银行(面临着PayPal等支付系统日益激烈的竞争,PayPal的品牌价值增长35%)。
Do your homework. Read the assigned pages, and then some. Plug your topic into the Internet, grab another book at the library, and see what else you can learn about the subject.
时间:2010-03-09 编辑:vicki
近日,新一期福布斯世界富豪排行榜揭晓,比尔·盖茨在近22年内第17次问鼎榜首。

Add your scores for 10 to 14 to find out how you score on the Social Inhibition scale.
Age: 43

? President Obama declared a "major disaster" in New York and New Jersey. Flooding devastated the coast and more than 2.3 million lost power. The National Guard rescued hundreds from flooding in New Jersey. The governor, Chris Christie, a Republican, said the damage was "unthinkable". He praised the "outstanding" co-operation he had received from Obama.
单词scroll 联想记忆:
近两年P2P贷款行业迅速发展。根据E-Lending House,截至6月底,该行业未清偿贷款达2090亿元人民币。
担忧是围绕向下流动(downward mobility)和文化变迁,而愤怒是针对移民和冷漠的精英。
马自达获得了最佳轿车品牌的称号。汽车媒体一直很青睐马自达的表现,而如今的马自达汽车都在精致的内部设置和强大的驱动力上赢得了积极的反馈。上图的2016马自达第三代,在美国新闻小巧车排名中摘得桂冠,它的精准操控,强大加速度和高端室内布局,赢得了大多数汽车评论家称赞。